I applied for the Pathfinder so I could escape the checked bag fees of airlines, and with no annual fee. However, I was declined for "Lenth of Time Accounts were Established". I gave it a few days and called them today, but the male who answered the phone (who happened to be super awesome! I just didn't get what I wanted) told me that, based on my age (20) and my reasoning for denial, I should take out a credit building loan. I know he didn't look at my credit report and assumed I was a naive teenager, but I HAVE 8 CREDIT CARDS and a credit building loan at Alliant. I asked about speaking to the loan department, but he told me credit card recon was done through email (again, I wanted to disagree, but I just told him thank you very politely and that I would email).
I'm kind of scared to call back again (I called 1-800-247-5626, their main line). Maybe I should call back and ask for a loan officer right away? Biggest thing I don't want to deal with talking about are the 3 CCs I applied for 5 months ago.
I wrote this email, and if anyone had suggestions to change it, I would love them! Not sure if I should talk about the 3 CCs or not, or talk about the rewards, I don't do recon very well! Please suggest edits below! Also, let me know if I should remove anything too. Thanks!
To whom it may concern,